Peddling heavily underwater like a duck only to look calm above is the problem of society. Everyone faces at some point, what makes one stand and pull through is heavily determined on that persons perception of life and how they manage money.
I love how everything you have written points at making it to a safe place despite how rough time are at the moment.
I wonder if there is ever going to be a period of "safety" for most of us, or are we always going to be peddling underwater?